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Home Equity as a                                                                  Program Overview


        Retirement Solution                                                               This workshop will
                                                                                          specifically address research
                                                                                          & math revealing that the
        With over 70 million Baby Boomers¹, average savings of less than                  HECM loan is no longer
        $200,000², and $6.4 trillion tied up in home equity³, savvy financial             a needs-based product,
        professionals are considering the impact of inclusion of home equity              but rather a meaningful
        loans in their clients’ longevity, liquidity, and legacy objectives.              strategic tool to address
                                                                                          retirement needs of mass

        The FHA’s Home Equity Conversion Mortgage (HECM) loan has                         affluent families.
        emerged as a legitimate and valuable strategic tool to enhance
        the financial outcomes for retirees that meet the age and equity                  Program Outline
        qualifications.
                                                                                          I.  The Economic Impact of
                                                                                            the Boomer Generation
        In an interactive presentation,                                                   II.  Home Equity as an Asset

        our Advisor Specialists will:                                                       Class

                                                                                          III.  Overview and common
           3Reveal economic realities of the current retirement crisis
                                                                                             questions from Advisors
                                                                                             regarding Home Equity
           3 Enhance your knowledge of the strengths, weaknesses,
             misconceptions, & strategic uses of HECM loans                                  Conversion Mortgage
                                                                                          IV.  9-financial strategies
           3 Share strategies to overcome sequence of returns risk in                        using HECM in
             down markets                                                                    distribution planning

           3 Uncover how a HECM loan can protect value and access to                      V.  Impact on the Financial
             equity regardless of the performance of real estate                            Professional Practice

                                                                                          VI.  Questions & Discussion
          “Having a buffer asset can help manage sequence of returns
           better and make a retirement income plan more efficient.”

                          - Wade Pfau, Professor of retirement income at
                           The American College of Financial Services




                                                                                              Register Online:
                                                                                          aag.expert/FPwebinars




        Sources: ¹US Census - https://www.census.gov/prod/2014pubs/p25-1141.pdf, ²Economic Policy
        Institute - http://www.epi.org/publication/retirement-in-america/, ³Harvard Univ. Joint Center for
        Housing Studies - http://www.jchs.harvard.edu/sites/jchs.harvard.edu/files/harvard_jchs_housing_
        growing_population_2016_chapter_4.pdf (Page 2).
        For industry professionals only – not intended for distribution to the general public.
        American Advisor Group, NMLS #9392, headquartered at 3800 W. Chapman Ave, 3rd & 7th floors,
        Orange, CA 92868. License information on www.nmisconsumeraccess.org and www.aag.com/
        disclosure
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